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Even if you believe your case will ultimately be agreed to and settled without a trial, you will be in a much better position if you already have the relevant documents in your possession. Better safe than sorry.
You should locate the relevant documents, make copies, and keep them somewhere secure, like your office or with a friend. You will then have access when it is needed.
Here are the most important seven categories of documents you should focus on.
1. Income Documents
Your spouse's income is relevant to a number of issues in a divorce case. At a minimum, get your spouse's last paycheck statement and your most recent tax return. Ideally, you would have access to all tax returns filed during the marriage, along with all supporting documents and schedules.
2. Bank Records
The monthly bank statements are very important and can lead you to other documents (cancelled checks, deposit slips, registers, etc.) that you also may need to obtain. Get at least the most recent statement for each account that is either held in your name, your spouse's name, or jointly. If possible, get copies of all statements going back to the date of marriage. In most cases this volume of records is not required, but in some cases these records can be very helpful and even necessary to analyze the case.
3. Retirement and Other Investment Records
Often the biggest asset a couple will own will be a 401k or pension account. So you will definitely want the most recent account statement and ideally all statements dating back to the time of marriage. Also, the last statement prior to marriage can be very significant (especially in community property states) to show the pre-marriage balance.
4. Credit Card statements
Again the most recent statements are a necessity, but a lot of important evidence can be garnered from the historical statements. In some cases, the credit card statements will show questionable transactions that can be of real evidentiary value. For example, they might show evidence of gifts or dinners purchased for paramours, questionable hotel rentals, or other dubious purchases.
5. Real estate documents
The most important real estate documents are the Deed of Trust and Warranty Deed for any property you currently own. If you have the entire file from (the giant stack of paper you got after the closing) for each real estate purchase or refinance transaction during the marriage it can be helpful. Additionally, documents evidencing real estate owned by either spouse prior to marriage can be significant, especially in community property states.
6. Mortgage statements & any Other Debts
You should get the most recent statements showing the current payoff balance for any other debts. For those debts that have only a coupon book with no regularly generated statements showing the current balance, you will probably need to contact the creditor by phone for the current payoff information.
7. Relevant emails or other correspondence
Correspondence or emails can be extremely helpful (or damaging, depending on your viewpoint) pieces of evidence in the case. Whether the communication is between spouses or between a spouse and some third-party, the communication is potentially relevant. Two common examples would be where your spouse makes a damaging admission about some issue in the case, or communications with paramours.
Conclusion
Determining which documents you need to obtain for your divorce case can be a very time-consuming and daunting task. Use this list as a starting point and discuss your situation with a quality divorce attorney. This person should be able to advise you specifically on the documents you need to obtain in order to protect your interests.
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How prepared are you? Will you be like thousands of others and wait until the last minute to stock up on food and water? Do you even have a working flashlight in your home or auto? As we have clearly seen, waiting until it is too late does not work. Grocery stores run out, gas stations run dry and we certainly can't depend on the government to help.
You need to start planning today, preparing for the unexpected so that you and your family can survive. Official sources always recommend having a 72 hour or 3 day kit. While it certainly helps, it is nowhere near adequate for an extended survival situation. As we have seen a natural disaster can last for more than 3 days. A possible bird flu pandemic may keep you housebound for weeks or months at a time. So how much is enough and what do you need?
You should plan on meeting your family's daily needs for a minimum of a month, preferably up to 3 months or longer. This can include:
Food--Stock up on the basics. Flour, sugar, non-perishable foods like macaroni products, rice (a 25lb bag of rice is around .00 at SAM's club), dried milk. Canned goods usually are good for a year or two. Start adding to your pantry now by buying a few extra items every time you go to the grocery store. Take advantage of sales, coupons and store brands. Buy foods you can fix easily, don't need a lot of water or don't need to be cooked at all. You can also add to your supply long term dehydrated foods that you can supplement your other food stores. They are vacuumed sealed and have a shelf life of 20-30 years. MRE's ready to eat meals can also expand your food stores. Buy food and supplies in bulk at Sams club or Costco. Rotate your stock so you always have the freshest food available. Also include things like high-energy bars. Don't forget pet food.
Water--You can store water in large containers, 5-gallon mylar water bags, camping jugs and other containers. You should also own a good water purifier.
Tools--are you equipped to handle minor repairs around your home? Fix your auto? Repair or build needed survival supplies? Tools to turn off natural gas, shovels to dig out, chainsaws to cut up downed trees and other essential rescue tools may be needed.
Energy--there may be interruptions or outages in electrical and other utilities. Do you have an alternative way of heating your home? A way of supplying power to lights and other needed electrical devices? Stocked up on batteries? A portable generator can be used for emergency backup. You will need gas to run the generator. Solar panels are handy for charging batteries. Extra propane can be used for a stove, lights or heat. Have several flashlights on hand. Newer flashlights feature L.E.D. bulbs that burn brighter and last forever. Also look for hand cranked flashlights that don't need batteries. Include lighting such as oil or propane lanterns.
Medical-- a good first aid kit is a must have. Over the counter drugs such as ibuprofen, aspirin, antacids, etc. Also personal medications and other first aid supplies. Don't forget spare glasses/contacts and contact lens solution. Brush up on your first aid skills.
Household supplies--everything from shampoo and toothpaste to toilet paper, soap, detergent, bleach, disinfectants and everything else you use on a daily basis. Don't forget hair clippers if you can't get out to the barber. Have supplies on hand to deal with sanitation and garbage.
Communication--Newer walkie-talkies that have a 10-12 mile range will help you stay in touch with your family in the event your cell phone stops working. Give each member of your family one and tune them all to the same channel. Buy an emergency battery for your cell phone. They are good for about 60 minutes of talk time. Portable shortwave radios will help you keep in touch with the world. A small portable tv will also help keep you informed if the power is out. A hand cranked radio is also a must have.
Camping equipment--stoves, tents, sleeping bags can all come in handy especially if you need to relocate. Pick up camping supplies on sale and used equipment at garage sales.
Bicycles--if you need to get around and there is no gas a bike is the best item to have.
Relocating--if you choose not to stay in your home, then you need a plan on how you will relocate-to another town or remote cabin, etc. You may want to stock your vacation home with supplies and be prepared to "bug out" before travel is restricted.
Figure out how far you need to get away. Think about storing extra gas to provide a full tank and enough for your journey. 3 or 4-5 gallon gas cans, could be enough to get you several hundred miles away. Because of the fire danger it is very important that you store them safely and rotate them on a regular basis. Meaning, if you have 3 filled cans, week one dump that in your gas tank and refill that can. Week 2 dump the second can in your gas tank and refill that can. Week 3 dump can 3 into your gas tank and refill that can. Week 4 start over with can one. Using this system you will always have 15 gallons of fresh gas on hand in addition to gas that is already in your gas tank.
Plan your exit strategy from your city or town. Keep a map in your car with the roads out highlighted. Find all the alternative routes out of your city or town. Stay away from main highways if at all possible. Have copies of the map in other vehicles if other family members need to meet you later. Practice your escape route by driving it at least once.
Store your "bug out" survival supplies in containers that can be quickly loaded into your vehicle. Keep a smaller version in your vehicle at all times.
Start today preparing for the unexpected and if it happens you won't need to divert your time and energy away from caring for your family, waiting in long lines for essential goods and services or waiting for the government or other aid organizations to come to your rescue.
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Living without toilet paper? This is one thing we could never do. Toilet paper seems like a simple thing, but it has become a major part of our lives. In the US, a single person is using more than 21,000 sheets or 50 pounds of paper each year. We are having a high dependency on sanitary products, not only toilet rolls, like tissues, paper towels, and many other products. People love these hygiene supplies because they are simple and clean. Some of us are having a high dependency on these sanitary products and we are not realizing that using a high amount of these products means cutting down numerous trees.
The main material for janitorial supplies such as facial tissues, paper towels, and many others is wood. One tree is able to produce approximately 100 pounds of tissues. If one person needs more than 50 pounds of toilet paper a year, it means that he/she is responsible for one to two trees for their own personal use. 50 pounds is only the amount of paper a person uses: it excludes toilet rolls used for tissues, make up wipes and handkerchiefs. All of us know that we are facing an environmental crisis. In this modern era, we need to do something that support our environment by planting trees, saving the water, amongst many other actions. If we are using great amount of toilet paper or tissue, we are definitely going against the environment friendly movement.
This is a problem that we must solve and lucky for us we now have two choices to save the environment without getting rid of tissues completely. The first choice is by using sustainable paper and the second choice is by replacing our regular toilet rolls with organic paper. Using sustainable paper is very effective and saves money because we will use less paper from our janitorial or washroom supplies provider. Replacing regular toilet paper with organic toilet paper can be a solution for the environment because it is less abrasive, does not contains chemicals, bleach, and other things that damage the environment.
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